Federal credit union · Pearl River, New York · NCUA charter #4480
PALISADES
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $204.8M
- Total assets
- 13,727
- Members
- 9.2%
- Net-worth ratio
PALISADES scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $204.8M; members 13,727; net-worth ratio 9.21%; health rank #1,716 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,716 of 4,374 health · 2025Q4PALISADES · health 87/100 · $204.8M · 2025Q4
Call Report peers
PALISADES in the assets neighbourhood
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PALISADES vs every NCUA-scored credit union
PALISADES sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PALISADES: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 89.02% vs peer 72.20% (+16.82 pp).
- Largest lag: Net Worth Ratio at 9.21% vs peer 12.11% (-2.90 pp).
PALISADES in New York
- Health composite ranks #100 of 272 among scored New York credit unions.
- New York assets place: #57 of 272.
- Membership ranks #57 of 272 among New York CUs with a reported count (13,727 members).
- One place up in New York, QUORUM (#99) ties at 87/100; one place down, Saratoga's Community (#101) ties at 87/100.
Quarter path for PALISADES
PALISADES: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $204.8M (2025Q4) to $207.0M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.34% → 9.21%).
This credit union's 9.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
PALISADES gives up 13 points in total. Delinquency Rate costs the most, 4.5 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 11.2 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 15.2 pts
PALISADES health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.21% | -2.90 pp |
| Delinquency Rate | 0.95% | +0.06 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | 2.58% | - |
| Loan-to-Share Ratio | 89.02% | +16.82 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
PALISADES filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $207.0M | - |
| 2025Q4 | $204.8M | 13,727 |
| 2024Q4 | $204.1M | 13,382 |
| 2023Q4 | $208.2M | 13,377 |
Credit Union Details
- Charter Number
- 4480
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Pearl River
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, PALISADES runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Pearl River (Main Office) | Pearl River, NY |
| Nanuet | Nanuet, NY |
| New City | New City, NY |
| Orangeburg | Orangeburg, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for PALISADES
Using this data
- PALISADES ranks #1,716 of 4,374 nationally on financial health and #100 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ontario Shores is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ontario Shores
Frequently Asked Questions
Is PALISADES financially healthy?
PALISADES has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,716 of 4,374 nationally on health and #100 of 272 in New York. Its net worth ratio is 9.21% and its delinquency rate 0.95%.
How does PALISADES compare to other credit unions?
PALISADES scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (89.02% vs 72.20%). Its widest shortfall is net worth ratio (9.21% vs 12.11%).
How can I join PALISADES?
PALISADES operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact PALISADES directly for the exact boundaries and application steps.
Is my money safe at PALISADES?
PALISADES is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. PALISADES's net worth ratio of 9.21% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.